At Curtis Miller Insurance in Parkersburg, WV, we help our customers find the right type and amount of life insurance to provide for their families. Our agency was founded in 1962, and we have the experience you need and require. 

What is the difference between whole life and term life?

Both of these types of life insurance have a death benefit, but that is about all they have in common. Whole life insurance is just that—life insurance for your whole life. It earns dividends, and you can borrow from it if the need arises. Term life insurance has a term, usually 20 years when it is in effect. Ultimately, it goes away, and there is no cash value. 

Can I have more than one beneficiary?

The choice of beneficiary is completely up to you. You can choose anyone you want, and more than one person is OK. You will be asked to assign each beneficiary a percentage of the benefit. 

Can I buy life insurance without a physical?

Yes, you can buy life insurance without a physical, but probably not a large amount, and it will be more expensive than if you get a physical. 

How much life insurance do I need?

There is no one answer to this question. Each person or family has different needs and requirements. You have to consider your personal financial situation when determining what amount of life insurance you need: your income, your number of family members, the age of your dependents, and how much of their support you want to provide. If you have a mortgage, that needs to be taken into account. 

Contact our Parkersburg, WV office to discuss your life insurance coverage. Our agents at Curtis Miller Insurance will be there for you.